The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,376
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$802/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,608
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,230
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$769/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,324
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,451
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,398
−HK$963/mo
Today · 4.125%
HK$32,361
baseline
▲ 0.50% · 4.625%
HK$34,330
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,722/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,876
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,785
−HK$922/mo
Today · 4.125%
HK$35,707
baseline
▲ 0.50% · 4.625%
HK$37,589
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,414/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,631
−HK$1,123/mo
Today · 4.125%
HK$37,754
baseline
▲ 0.50% · 4.625%
HK$40,051
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,508/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,522
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,582
−HK$1,076/mo
Today · 4.125%
HK$41,658
baseline
▲ 0.50% · 4.625%
HK$43,854
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,316/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,097
−HK$1,444/mo
Today · 4.125%
HK$48,541
baseline
▲ 0.50% · 4.625%
HK$51,494
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,082/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,815
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,177
−HK$1,383/mo
Today · 4.125%
HK$53,560
baseline
▲ 0.50% · 4.625%
HK$56,383
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,120/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,319 · Scale 2, in force from 26 Feb 2026)